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Bank CSV to QuickBooks Online format

QuickBooks Online only accepts bank CSVs in a 3- or 4-column layout. Bankfold reshapes any bank export into exactly that format — or a .qbo file — in your browser.

🔒 Never uploaded✓ Balances reconciled🏦 Any bank's CSV or Excel🆓 Free, no signup

The format QuickBooks Online wants

QuickBooks Online's Upload transactions accepts a CSV with either three columns — Date, Description, Amount (money out negative) — or four — Date, Description, Credit, Debit. Dates must be in one consistent format, there should be a single header row, and no balance, total or blank rows. Most bank exports break at least one of those rules. Details in our QuickBooks Online CSV format guide.

Bankfold gives you both CSV layouts and a .qbo file. The .qbo upload avoids the column-mapping step entirely and carries transaction IDs, so it's usually the easier choice.

How it works

  1. Drop your bank or card export — CSV, TXT or an Excel/ODS spreadsheet.
  2. Check the columns. Bankfold detects the date, description, amounts and balance; change any column with its dropdown.
  3. Review and download a QBO, QFX, OFX, QIF or CSV file ready to import.

FAQ

Is it really private?

Yes. Your file is read and converted by JavaScript running in your browser tab. Its contents are never sent over the network. You can verify this in your browser's developer tools (Network tab), or disconnect from the internet after the page has loaded — conversion still works.

Which banks are supported?

Any bank or card that exports CSV, TXT or Excel — Chase, Bank of America, Wells Fargo, Capital One, Citi, American Express, RBC, TD, Barclays, HSBC, Monzo, Revolut, CommBank, Sparkasse and thousands more. Bankfold detects the columns automatically, and you can change any column with a dropdown; your choice is remembered for that layout.

Can it convert PDF statements?

Not directly — Bankfold converts CSV and spreadsheet exports. For PDF statements, use our sister tool TidyLedger, which also runs entirely in your browser.

Will QuickBooks import duplicates if I convert overlapping statements?

No, as long as the transactions are the same. Every transaction gets an ID based on its date, amount and description, so QuickBooks and Quicken recognize ones they've already imported.

Which file should I download?

QuickBooks Desktop or Online: QBO. Quicken: QFX. Xero, Sage, Wave, FreeAgent, GnuCash and most other apps: OFX. Older software: QIF. QuickBooks Online also accepts our 3- or 4-column CSV.

What's free?

Every format, one file at a time, up to 150 transactions per conversion. No account needed. Pro removes the limit and lets you merge several statements into one import with duplicates removed.